<SEC-DOCUMENT>0001157523-15-000249.txt : 20150129
<SEC-HEADER>0001157523-15-000249.hdr.sgml : 20150129
<ACCEPTANCE-DATETIME>20150129064054
ACCESSION NUMBER:		0001157523-15-000249
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20150129
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150129
DATE AS OF CHANGE:		20150129

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WORLD ACCEPTANCE CORP
		CENTRAL INDEX KEY:			0000108385
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		IRS NUMBER:				570425114
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19599
		FILM NUMBER:		15556715

	BUSINESS ADDRESS:	
		STREET 1:		108 FREDRICK STREET
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8642989800

	MAIL ADDRESS:	
		STREET 1:		P O BOX 6429
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29606

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WORLD FINANCE CORP
		DATE OF NAME CHANGE:	19700210
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a51028665.htm
<DESCRIPTION>WORLD ACCEPTANCE CORPORATION 8-K
<TEXT>
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      <br>
      <font style="font-size: 14pt"><b>UNITED STATES</b></font><font style="font-size: 14pt"><br style="font-size: 14pt"></font><font style="font-size: 14pt"><b>SECURITIES
      AND EXCHANGE COMMISSION</b></font><br><font style="font-size: 12pt"><b>Washington,
      D.C. 20549</b></font>
    </p>
    <p style="text-align: center">
      <br>
      <font style="font-size: 14pt"><b>FORM 8-K</b></font><br><br><font style="font-size: 12pt"><b>CURRENT
      REPORT</b></font><br><font style="font-size: 12pt"><b>Pursuant to
      Section 13 OR 15(d) of The Securities Exchange Act of 1934</b></font>
    </p>
    <p style="text-align: center">

    </p>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td valign="top" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left; width: 45%">
          <p style="font-size: 10pt">
            Date of Report (Date of earliest event reported)
          </p>
        </td>
        <td valign="top" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: left; width: 55%">
          <p style="font-size: 10pt">
            <font style="font-family: Times New Roman; font-size: 10pt">January
            29, 2015</font>
          </p>
        </td>
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          &#160;
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      </tr>
      <tr>
        <td valign="top" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <p style="font-size: 10pt">
            <font style="font-size: 12pt">WORLD ACCEPTANCE CORPORATION</font>
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: center">
          <p style="font-size: 10pt">
            (Exact name of registrant as specified in its charter)
          </p>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td style="width: 33%">

        </td>
        <td style="width: 34%">

        </td>
        <td style="width: 33%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center; width: 33%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            South Carolina
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center; width: 34%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            0-19599
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center; width: 33%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            57-0425114
          </p>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="padding-left: 0.0px; text-align: center; width: 33%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (State or other jurisdiction
          </p>
          <p style="margin-bottom: 0px; margin-top: 0px">
            of incorporation)
          </p>
        </td>
        <td valign="bottom" style="padding-left: 0.0px; text-align: center; width: 34%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (Commission
          </p>
          <p style="margin-bottom: 0px; margin-top: 0px">
            File Number)
          </p>
        </td>
        <td valign="bottom" style="padding-left: 0.0px; text-align: center; width: 33%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (IRS Employer
          </p>
          <p style="margin-bottom: 0px; margin-top: 0px">
            Identification No.)
          </p>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td style="width: 50%">

        </td>
        <td style="width: 40%">
          &#160;
        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 10%">

        </td>
      </tr>
      <tr>
        <td valign="bottom" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: left; width: 50%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            108 Frederick Street, Greenville, South Carolina
          </p>
        </td>
        <td style="border-bottom: solid black 1.0pt; width: 40%">
          &#160;
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center; width: 10%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            29607
          </p>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="padding-left: 0.0px; text-align: left; width: 50%">
          <font style="font-family: Times New Roman; font-size: 10pt">(Address
          of Principal Executive Offices)</font>
        </td>
        <td style="width: 40%">

        </td>
        <td valign="bottom" style="padding-left: 0.0px; text-align: center; width: 10%">
          <font style="font-family: Times New Roman; font-size: 10pt">(Zip
          Code)</font>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td style="width: 45%">

        </td>
        <td style="width: 55%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left; width: 45%">
          <p style="font-size: 10pt">
            Registrant&#8217;s telephone number, including area code
          </p>
        </td>
        <td valign="top" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: left; width: 55%">
          <p style="font-size: 10pt">
            (864) 298-9800
          </p>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <p style="font-size: 10pt">
            n/a
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: center">
          <p style="font-size: 10pt">
            (Former name or former address, if changed since last report.)
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <p>
      <font style="font-family: Times New Roman; font-size: 10pt">Check the
      appropriate box below if the Form 8-K filing is intended to
      simultaneously satisfy the filing obligation of the registrant under any
      of the following provisions:</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font>
    </p>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: left">
      <b>Item 2.02&#160;&#160;Results of Operations and Financial Condition; and</b>
    </p>
    <p style="text-align: left">
      <b>Item 7.01&#160;&#160;Regulation FD Disclosure.</b>
    </p>
    <p style="text-align: left">
      On January 29, 2015, World Acceptance Corporation (&quot;WRLD&quot;) issued a
      press release announcing financial information for its third quarter
      ended December 31, 2014.&#160;&#160;The press release is attached as Exhibit&#160;99.1
      to this Form&#160;8-K and is furnished to, but not filed with, the Commission.
    </p>
    <p style="text-align: left">
      On January 29, 2015, World Acceptance Corporation senior management held
      a conference call to discuss the results of its third quarter ended
      December 31, 2014.&#160;&#160;A prepared script of remarks for the conference call
      by the Chairman and Chief Executive Officer of WRLD is attached hereto
      as Exhibit 99.2 to this Form 8-K and is furnished to, but not filed
      with, the Commission.
    </p>
    <p style="text-align: left">
      <b>Item 9.01 Financial Statements and Exhibits.</b>
    </p>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 5%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (d)
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 13%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Exhibits.
          </p>
        </td>
        <td style="width: 1%">
          &#160;
        </td>
        <td style="width: 81%">

        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 13%">

        </td>
        <td style="width: 1%">

        </td>
        <td style="width: 81%">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 13%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Exhibit Number</u>
          </p>
        </td>
        <td style="width: 1%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 81%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Description of Exhibit</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td valign="top" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left; width: 13%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            99.1
          </p>
        </td>
        <td style="width: 1%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 81%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Press release issued January 29, 2015
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td valign="top" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left; width: 13%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            99.2
          </p>
        </td>
        <td style="width: 1%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 81%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Prepared script of Chairman and Chief Executive Officer&#8217;s and
            remarks for January 29 conference call
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: left">

    </p>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u><font style="font-family: Times New Roman; font-size: 10pt"><b>SIGNATURES</b></font></u>
    </p>
    <p>
      <font style="font-family: Times New Roman; font-size: 10pt">Pursuant to
      the requirements of the Securities Exchange Act of 1934, the registrant
      has duly caused this report to be signed on its behalf by the
      undersigned hereunto duly authorized.</font>
    </p>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td valign="top" colspan="2" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <p style="margin-bottom: 0px; margin-top: 0px">
            WORLD ACCEPTANCE CORPORATION
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td valign="top" colspan="2" style="padding-left: 0.0px; text-align: center">
          (Registrant)
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td style="width: 4%">

        </td>
        <td style="width: 55%">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td style="width: 4%">

        </td>
        <td style="width: 55%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left; width: 6%">
          Date:
        </td>
        <td valign="top" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left; width: 35%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            January 29, 2015
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left; width: 4%">
          By:
        </td>
        <td valign="top" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: left; width: 55%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            /s/ John Calmes
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td style="width: 4%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 55%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            John Calmes
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 35%">

        </td>
        <td style="width: 4%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 55%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Chief Financial Officer
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u><font style="font-family: Times New Roman; font-size: 10pt">EXHIBIT
      INDEX</font></u>
    </p>
    <p style="text-align: left">

    </p>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 10pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 15%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Exhibit</u>
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 85%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Description</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 15%">

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 85%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left; width: 15%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            99.1
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 85%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Press Release dated January 29, 2015
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left; width: 15%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            99.2
          </p>
        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left; width: 85%">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Prepared script of Chief Executive Officer and Chairman&#8217;s remarks
            for January 29, 2015 conference call
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: left">

    </p>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a51028665ex99_1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2015 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-size: 8pt; font-family: Times New Roman">
    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 12pt"><b>World
      Acceptance Corporation Reports Third Quarter Results</b></font>
    </p>
    <p>
      GREENVILLE, S.C.--(BUSINESS WIRE)--January 29, 2015--World Acceptance
      Corporation (NASDAQ:&#160;WRLD) today reported financial results for its
      third fiscal quarter and nine-months ended December 31,&#160;2014.
    </p>
    <p>
      Net income for the third quarter decreased 19.4% to $18.5 million
      compared with $23.0 million for the same quarter of the prior year. Net
      income per diluted share decreased 4.2% to $2.01&#160;in the current quarter
      compared with a revised $2.10 in the prior-year quarter. Total revenues
      decreased to $153.7 million in the third quarter of fiscal 2015, a 4.3%
      decrease from the $160.5 million reported in the third quarter last year.
    </p>
    <p>
      Gross loans slightly decreased to $1.263 billion at December 31, 2014, a
      0.1% decrease from the $1.264 billion outstanding at December 31, 2013.
      The third quarter&#8217;s growth rate in loans reflected lower loan demand
      from our U.S. operations and continued the trend seen during the first
      half of the year.
    </p>
    <p>
      Interest and fee income decreased 3.4% to $137.4 million in the third
      quarter of fiscal 2015 from $142.2 million in the third quarter of
      fiscal 2014 due to a shift in the mix of our loan portfolio to larger,
      lower yielding loans as well as lower U.S. loan volume and a higher
      number of accounts 60+ days past due, which are no longer accruing
      revenue. Insurance and other income decreased by 11.2% to $16.2 million
      in the third quarter of fiscal 2015 compared with $18.3 million in the
      third quarter of fiscal 2014.
    </p>
    <p>
      The net charge-off rate for the third quarter of fiscal 2015 decreased
      slightly as a percent of net loans on an annualized basis from 15.7% for
      the three-months ended December 31, 2013 to 15.5% for the three-months
      ended December 31, 2014. Net charge-offs as a percentage of average net
      loans on an annualized basis were in line with historical levels.
      Accounts contractually delinquent 61+ days increased from 5.0% at
      December 31, 2013 to 6.7% at December 31, 2014. The increase in accounts
      contractually delinquent is primarily due to the change in branch level
      incentives discussed in the second quarter. The accounts contractually
      delinquent 61+ days decreased from 7.0% at September 30, 2014. The
      provision for loan losses decreased 6.9% to $38.3 million in the third
      quarter of fiscal 2015 compared with the third quarter of fiscal 2014.
      The provision decreased due to slower loan growth and a smaller increase
      in the amount of delinquent accounts when comparing the quarter ended
      December 31, 2014 to the quarter ended December 31, 2013.
    </p>
    <p>
      The results for the third fiscal quarter were negatively affected by a
      change in the exchange rate with the Mexican peso and an increase in
      delinquencies in the Guerrero region of Mexico where we offer our
      payroll deduct product. The increase in delinquencies resulted in an
      additional $1.8 million provision during the quarter. As of December 31,
      2014, the Company had $2.6 million of net loans fully reserved in the
      Guerrero region. Excluding the impact of Guerrero, the delinquencies in
      the payroll deduct portfolio improved. We experienced a 5.8% increase in
      accounts in Mexico and a 5.8% increase in ledger in U.S. dollars
      compared with the third quarter of last year. At December 31, 2014,
      Mexico represents 10.4% of our branch office network, 7.9% of our gross
      loans outstanding, 8.9% of our first nine-month revenue and 7.6% of our
      net earnings.
    </p>
    <p>
      The Company&#8217;s general and administrative expenses increased by 4.2%
      compared with the third quarter of the prior year, due primarily to new
      offices opened during fiscal 2015. The Company opened 49 new offices,
      purchased two new offices and merged eight offices during the first nine
      months of the fiscal year, resulting in a total of 1,314 offices at
      December 31,&#160;2014. General and administrative expenses as a percent of
      total revenues increased from 48.2% in the prior-year quarter to 52.4%
      during the current fiscal quarter. General and administrative expenses
      for the prior-year&#8217;s third quarter include the reversal of $2.9 million
      (pre-tax) of accrued compensation related expense due to the resignation
      of the Company&#8217;s previous COO in November of 2013. The Company also
      experienced higher legal expense during the quarter, primarily related
      to our response to a class action complaint filed in April of 2014.
    </p>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      The Company&#8217;s third quarter effective income tax rate decreased to 35.7%
      compared with 37.2% in the prior year&#8217;s third quarter. The decrease was
      primarily due to the extension of several tax credits that were claimed
      in the current quarter that were not claimed in prior quarters and an
      increase in Mexican permanent items expected to be claimed in the
      current year.
    </p>
    <p>
      Other key return ratios for the third quarter included an 11.2% return
      on average assets and a return on average equity of 33.2% (both on a
      trailing 12-month basis).
    </p>
    <p>
      <i><b>Nine-Month Results</b></i>
    </p>
    <p>
      For the first nine months of the fiscal year, net income decreased 7.9%
      to $62.3 million compared with $67.6 million for the nine-months ended
      December 31, 2013. Fully diluted net income per share rose 11.0% to
      $6.64 for the first nine months of fiscal 2015 compared with a revised
      $5.98 for the first nine months of fiscal 2014. The Company&#8217;s EPS
      continues to benefit from our ongoing share repurchase program. During
      the first nine months of fiscal 2015, we repurchased 800,291 shares of
      common stock on the open market at an aggregate purchase price of
      approximately $63.4 million. These repurchases, combined with the 2.1
      million shares repurchased during fiscal 2014, have been and should
      continue to be very accretive to per share earnings. At December 31,
      2014, there remained approximately $13.4 million in Board repurchase
      authorizations. There were approximately 9.1 million shares outstanding
      as of December 31, 2014.
    </p>
    <p>
      Total revenues for the first nine months of fiscal&#160;2015 rose 0.2% to
      $456.5&#160;million compared with $455.7 million during the corresponding
      period&#160;of the previous year. Annualized net charge-offs as a percent of
      average net loans decreased from 14.9% during the first nine months of
      fiscal 2014 to 12.8% for the first nine months of fiscal 2015.
    </p>
    <p>
      <i><b>About World Acceptance Corporation</b></i>
    </p>
    <p>
      World Acceptance Corporation is one of the largest small-loan consumer
      finance companies, operating 1,314 offices in 15 states and Mexico. It
      is also the parent company of ParaData Financial Systems, a provider of
      computer software solutions for the consumer finance industry.
    </p>
    <p>
      <i><b>Third Quarter Conference Call</b></i>
    </p>
    <p>
      The senior management of World Acceptance Corporation will be discussing
      these results in its quarterly&#160;conference call to be held at 10:00 a.m.
      Eastern time today. A script of the Chairman and Chief Executive
      Officer&#8217;s prepared remarks for the conference call has been furnished as
      Exhibit 99.2 to the Company&#8217;s Form 8-K filed today with the Securities
      and Exchange Commission (&#8220;SEC&#8221;) in connection with this press release,
      and is available via the SEC&#8217;s Edgar database at <u>www.sec.gov</u>,
      and will also be posted to the Company&#8217;s website as soon as practicable.
      Interested parties&#160;may participate&#160;in this call by dialing
      1-888-428-9473, passcode 9959517. A simulcast&#160;of the conference
      call&#160;is&#160;also&#160;available on the Internet at <u>http://www.videonewswire.com/event.asp?id=101428</u>.
      The call will be available for replay on the Internet for approximately
      30&#160;days.
    </p>
    <p>
      This press release may contain various &#8220;forward-looking statements&#8221;
      within the meaning of Section 21E of the Securities Exchange Act of
      1934, as amended, that represent the Company&#8217;s expectations or beliefs
      concerning future events. Statements other than those of historical
      fact, as well as those identified by the words &#8220;anticipate,&#8221; &#8220;estimate,&#8221;
      &#8221;intend,&#8221; &#8220;plan,&#8221; &#8220;expect,&#8221; &#8220;believe,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; and &#8220;should&#8221; or
      any variation of the foregoing and similar expressions are
      forward-looking statements. Such forward-looking statements are about
      matters that are inherently subject to risks and uncertainties. Factors
      that could cause actual results or performance to differ from the
      expectations expressed or implied in such forward-looking statements
      include the following: recently enacted, proposed or future legislation
      and the manner in which it is implemented; the nature and scope of
      regulatory authority, particularly discretionary authority, that may be
      exercised by regulators, including, but not limited to, the Consumer
      Financial Protection Bureau (the &#8220;CFPB&#8221;), having jurisdiction over the
      Company&#8217;s business or consumer financial transactions generically; the
      unpredictable nature of regulatory proceedings and litigation; any
      determinations, findings, claims or actions made or taken by the CFPB,
      other regulators or third parties in connection with or resulting from
      the previously disclosed civil investigative demand from the CFPB that
      assert or establish that the Company&#8217;s lending practices or other
      aspects of its business violate applicable laws or regulations; the
      impact of changes in accounting rules and regulations, or their
      interpretation or application, which could materially and adversely
      affect the Company&#8217;s reported financial statements or necessitate
      material delays or changes in the issuance of the Company&#8217;s audited
      financial statements; the Company&#8217;s assessment of its internal control
      over financial reporting, and the timing and effectiveness of the
      Company&#8217;s efforts to remediate any reported material weakness in its
      internal control over financial reporting; changes in interest rates;
      risks related to expansion and foreign operations; risks inherent in
      making loans, including repayment risks and value of collateral; the
      timing and amount of revenues that may be recognized by the Company;
      changes in current revenue and expense trends (including trends
      affecting delinquencies and charge-offs); and changes in the Company&#8217;s
      markets and general changes in the economy (particularly in the markets
      served by the Company). These and other factors are discussed in greater
      detail in Part I, Item 1A, &#8220;Risk Factors&#8221; in the Company&#8217;s most recent
      annual report on Form 10-K for the fiscal year ended March 31, 2014
      filed with the Securities and Exchange Commission (&#8220;SEC&#8221;) and the
      Company&#8217;s other reports filed with, or furnished to, the SEC from time
      to time. World Acceptance Corporation does not undertake any obligation
      to update any forward-looking statements it makes. The Company is also
      not responsible for updating the information contained in this press
      release beyond the publication date, or for changes made to this
      document by wire services or Internet services.
    </p>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 8pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="13" style="padding-left: 0.0px; text-align: center">
          <b>World Acceptance Corporation</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="13" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>Consolidated Statements of Operations</b>
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="13" style="padding-left: 0.0px; text-align: center">
          (unaudited and in thousands, except per share amounts)
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: center">
          <b>Three Months Ended</b>
        </td>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: center">
          <b>Nine Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="top" colspan="4" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>December 31,</b>
        </td>
        <td>

        </td>
        <td valign="top" colspan="3" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2014</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2013</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2014</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          2013
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Interest &amp; fees
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>137,407</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          142,213
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>408,301</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          403,202
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Insurance &amp; other
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>16,240</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          18,280
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>48,213</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          52,520
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; text-align: left">
          Total revenues
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>153,647</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          160,493
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>456,514</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          455,722
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Expenses:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; text-align: left">
          Provision for loan losses
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>38,293</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          41,116
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>105,347</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          108,007
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; text-align: left">
          General and administrative expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Personnel
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>50,198</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          49,393
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>155,380</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          151,837
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Occupancy &amp; equipment
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>10,404</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          9,702
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>30,841</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          28,774
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Advertising
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>7,747</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          7,317
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>14,338</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          13,089
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Intangible amortization
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>176</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          245
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>566</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          822
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Other
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>12,057</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          10,641
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>33,215</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          30,001
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>80,582</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          77,298
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>234,340</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          224,523
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; padding-bottom: 2.0px; text-align: left">
          Interest expense
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>6,038</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          5,546
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>17,628</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          15,503
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Total expenses
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>124,913</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          123,960
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>357,315</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          348,033
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Income before taxes
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>28,734</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          36,533
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>99,199</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          107,689
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Income taxes
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>10,245</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          13,579
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>36,880</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          40,058
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; padding-bottom: 4.0px; text-align: left">
          Net income
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; padding-bottom: 4.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>18,489</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          22,954
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>62,319</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          67,631
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; padding-bottom: 4.0px; text-align: left">
          Diluted earnings per share
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; padding-bottom: 4.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>2.01</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          2.10
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>6.64</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          5.98
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; padding-bottom: 4.0px; text-align: left">
          Diluted weighted average shares outstanding
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>9,209</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          10,950
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>9,391</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          11,316
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="13" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>Consolidated Balance Sheets</b>
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="13" style="padding-left: 0.0px; text-align: center">
          (unaudited and in thousands)
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: center">
          <b>December 31,</b>
        </td>
        <td>

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: center">
          March 31,
        </td>
        <td>

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: center">
          December 31,
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2014</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          2014
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          2013
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" style="padding-left: 0.0px; text-align: left">
          <b>ASSETS</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: left">
          Cash
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>16,778</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          19,570
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          19,388
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Gross loans receivable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>1,262,618</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,112,307
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,264,058
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; text-align: left">
          Less: Unearned interest &amp; fees
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>(344,993)</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          (298,388)
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          (347,333)
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; padding-bottom: 2.0px; text-align: left">
          Allowance for loan losses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>(85,018)</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          (63,255)
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          (74,602)
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Loans receivable, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>832,607</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          750,664
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          842,123
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Property and equipment, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>26,059</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          24,826
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          24,449
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Deferred income taxes
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>41,382</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          33,514
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          39,109
        </td>
      </tr>
      <tr>
        <td valign="top" style="padding-left: 0.0px; text-align: left">
          Goodwill
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>6,121</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          5,967
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          5,967
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="2" style="padding-left: 0.0px; text-align: left">
          Intangibles
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>3,430</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          3,778
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          4,013
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="2" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Other assets
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>11,972</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          11,708
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          11,962
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; padding-bottom: 4.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>938,349</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          850,027
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          947,011
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="5" style="padding-left: 0.0px; text-align: left">
          <b>LIABILITIES AND SHAREHOLDERS' EQUITY</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td valign="top" colspan="2" style="padding-left: 0.0px; text-align: left">
          Liabilities:
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 20.0px; text-align: left">
          Notes payable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>591,950</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          505,500
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          583,250
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 20.0px; text-align: left">
          Income tax payable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>6,002</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          9,521
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          6,545
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 20.0px; padding-bottom: 2.0px; text-align: left">
          Accounts payable and accrued expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>27,327</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          27,651
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          28,646
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Total liabilities
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>625,279</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          542,672
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          618,441
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 0.0px; padding-bottom: 2.0px; text-align: left">
          Shareholders' equity
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>313,070</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          307,355
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          328,570
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; padding-bottom: 4.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>938,349</b>
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          850,027
        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: double black 2.25pt; white-space: nowrap; padding-left: 0.0px; text-align: right">
          947,011
        </td>
      </tr>
    </table>
    </div>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table style="font-family: Times New Roman; font-size: 8pt; margin-bottom: 10.0px; width: 100%" cellspacing="0">
      <tr>
        <td colspan="6">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
        <td>
          &#160;
        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td valign="top" colspan="22" style="padding-left: 0.0px; text-align: center">
          <b>Selected Consolidated Statistics</b>
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="22" style="padding-left: 0.0px; text-align: center">
          (dollars in thousands)
        </td>
      </tr>
      <tr>
        <td>
          &#160;
        </td>
        <td>
          &#160;
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="top" colspan="7" style="padding-left: 0.0px; text-align: center">
          <b>Three Months Ended</b>
        </td>
        <td>

        </td>
        <td valign="top" colspan="7" style="padding-left: 0.0px; text-align: center">
          <b>Nine Months Ended</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="top" colspan="7" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>December 31,</b>
        </td>
        <td>

        </td>
        <td valign="top" colspan="7" style="border-bottom: solid black 1.0pt; padding-left: 0.0px; text-align: center">
          <b>December 31,</b>
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2014</b>
        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          2013
        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          <b>2014</b>
        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td>

        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
        <td valign="bottom" style="padding-right: 0.0px; border-bottom: solid black 1.0pt; white-space: nowrap; padding-left: 0.0px; text-align: center">
          2013
        </td>
        <td style="border-bottom: solid black 1.0pt">
          &#160;
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="6" style="padding-left: 0.0px; text-align: left">
          Expenses as a percent of total revenues:
        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Provision for loan losses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>24.9</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          25.6
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>23.1</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          23.7
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="5" style="padding-left: 0.0px; text-align: left">
          General and administrative expenses
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>52.4</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          48.2
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>51.3</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          49.3
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Interest expense
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>3.9</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          3.5
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>3.9</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          3.4
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="5" style="padding-left: 0.0px; text-align: left">
          Average gross loans receivable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <b>$</b>
          </p>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>1,216,642</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,202,204
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>$</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>1,180,154</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,149,554
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="4" style="padding-left: 0.0px; text-align: left">
          Average loans receivable
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>$</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>886,374</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          869,542
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>$</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>860,311</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          834,004
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="3" style="padding-left: 0.0px; text-align: left">
          Loan volume
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>$</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>778,453</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          863,332
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>$</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>2,206,283</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          $
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          2,418,975
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="6" style="padding-left: 0.0px; text-align: left">
          Net charge-offs as percent of average loans
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>15.5</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          15.7
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>12.8</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          14.9
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="6" style="padding-left: 0.0px; text-align: left">
          Return on average assets (trailing 12 months)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>11.2</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          12.1
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>11.2</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          12.1
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="6" style="padding-left: 0.0px; text-align: left">
          Return on average equity (trailing 12 months)
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>33.2</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          30.0
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>33.2</b>
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          <b>%</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          30.0
        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: left">
          %
        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="6" style="padding-left: 0.0px; text-align: left">
          Offices opened (closed) during the period, net
        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>21</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          18
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>43</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          45
        </td>
        <td>

        </td>
      </tr>
      <tr>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">

        </td>
        <td>

        </td>
        <td colspan="3">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" colspan="5" style="padding-left: 0.0px; text-align: left">
          Offices open at end of period
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>1,314</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,248
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          <b>1,314</b>
        </td>
        <td>

        </td>
        <td>

        </td>
        <td>

        </td>
        <td valign="bottom" style="padding-right: 0.0px; white-space: nowrap; padding-left: 0.0px; text-align: right">
          1,248
        </td>
        <td>

        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <p>
      CONTACT:<br>World Acceptance Corporation<br>John Calmes, 864-298-9800<br>Chief
      Financial Officer<br>
    </p>
    <p>

    </p>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>a51028665ex99_2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2015 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-size: 8pt; font-family: Times New Roman">
    <p style="text-align: right">
      <b>Exhibit 99.2</b>
    </p>
    <p style="text-align: center">
      December 31, 2014<br>Quarterly Conference Call<br>Summary of Quarterly
      Results
    </p>
    <p style="text-align: justify">
      Date: January 29, 2015
    </p>
    <p style="text-align: justify">
      Net income for the quarter was $18.5 million, or $2.01 per diluted share
      compared to $23.0 million or $2.10 per share for the prior year third
      quarter. This represents a 19.4% decrease in net income and a 4.2%
      decrease in diluted earnings per share when comparing the two quarterly
      periods. For the first nine months of fiscal 2015, net income was $62.3
      million, or $6.64 per diluted share, representing a 7.9% decrease in net
      income and an 11.0% increase in EPS. The Company&#8217;s EPS continues to
      benefit from our ongoing share repurchase program. During the first nine
      months of fiscal 2015, we repurchased 800,291 shares of common stock on
      the open market at an aggregate purchase price of approximately $63.4
      million. These repurchases, combined with the 2.1 million shares
      repurchased during fiscal 2014, have been and should continue to be very
      accretive to per share earnings. At December 31, 2014, there remained
      approximately $13.4 million in Board repurchase authorizations, and
      subject to the observance of blackout periods and other criteria we
      consider in evaluating share repurchases, we intend to continue our
      share repurchase program.
    </p>
    <p style="text-align: justify">
      Gross loans amounted to $1.263 billion at December 31, 2014, a 0.1%
      decrease over the $1.264 billion outstanding at December 31, 2013 and a
      13.5% increase since the beginning of the fiscal year. The third
      quarter&#8217;s growth rate in loans continued the trend seen during the first
      half of the year, which reflects the lower demand seen in our US
      operations. The number of loans to first time borrowers in the US was
      approximately 233,000 during the first nine months, a 5.7% decrease from
      the approximately 247,000 during the same period of the prior fiscal
      year. The mix in our loan portfolio has also continued to shift over the
      past 12 months and at December 31, 2014 consisted of 61.2% small loans,
      37.9% larger loans and 0.9% sales finance. This compared to 63.6%, 35.3%
      and 1.2% at December 31, 2013. As discussed in our 10-Q for the period
      ended September 30, 2014, the Company has decided to wind down our sales
      finance business. As a result of that decision, our sales finance
      receivables decreased $3.0 million from $14.8 million at December 31,
      2013 to $11.8 million at December 31, 2014. Additionally, the overall
      0.1% decrease in loan balances resulted from a 0.8% decrease in accounts
      and a 0.7% increase in average balance per loan outstanding.
    </p>
    <p style="text-align: justify">
      While acquisitions have become a less significant part of our overall
      growth strategy, the Company purchased two loan portfolios and two small
      offices during the first nine months of fiscal 2015 consisting of $1.7
      million in gross loans. This was very similar to the acquisition
      activity during the first nine months of fiscal 2014, which consisted of
      7 transactions and $1.0 million in gross loans.
    </p>
    <p style="text-align: justify">
      The expansion of our branch network during the first nine months of the
      fiscal year was in line with our projections. We began fiscal 2015 with
      1,271 offices, opened 49, acquired 2 and merged 8, giving us a total of
      1,314 offices at December 31, 2014. We have merged more offices during
      the year than we have in previously years. We are in the process of
      reviewing underperforming offices and we have merged several into other
      offices as a result. We will likely merge additional underperforming
      offices in the future where it is appropriate.
    </p>
    <p style="text-align: justify">
      Total revenue for the quarter amounted to $153.6 million, a 4.3%
      decrease over the $160.5 million during the third quarter of the prior
      fiscal year. Revenues for the first nine months of fiscal 2015 were
      $456.5 million, a 0.2% increase over the prior year period. Revenues for
      the quarter and period were negatively impacted by a shift in the mix of
      our loan portfolio to larger, lower yielding loans as well as lower
      volumes and a higher number of accounts 60+ days past due, which are no
      longer accruing revenue. Revenues from our Mexican operations were
      negatively impacted by a move in the exchange rate quarter over quarter
      as well as payments not being received from a union in the Guerrero
      region. Other income related to the sales finance business decreased
      $560 thousand quarter over quarter. Revenues from the 1,193 offices open
      throughout both nine month periods decreased by 0.7%.
    </p>
    <p style="text-align: justify">
      Delinquencies and charge-offs will always be a primary concern of the
      Company. Accounts that were 61 days or more past due increased to 5.0%
      on a recency basis and to 6.7% on a contractual basis at the end of the
      current quarter, compared to 3.2% and 5.0%, respectively, at December
      31, 2013. The increase in accounts that are 61 days or more past due is
      primarily a result of the change in our branch level incentive plan that
      was implemented in the second quarter. The accounts 61 days or more past
      due have decreased from 5.2% on a recency basis and to 7.0% on a
      contractual basis at September 30, 2014. Also, net charge-offs as a
      percentage of average net loans on an annualized basis decreased from
      15.7% to 15.5% when comparing the two quarterly periods. This is in line
      with historical levels for the third quarter.
    </p>
    <div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt; margin-bottom: 10pt; width: 100%; text-align: justify">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="font-family: Times New Roman; font-size: 8pt; text-align: center">
          1
        </div>
        <div style="text-align: center">
          <hr style="color: black; height: 1.5pt">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p style="text-align: justify">
      General and administrative expenses amounted to $80.6 million in the
      third fiscal quarter, a 4.2% increase over the $77.3 million in the same
      quarter of the prior fiscal year. As a percentage of revenues, our G&amp;A
      increased from 48.2% during the third quarter of fiscal 2014 to 52.4%
      during the current quarter. This increase was partially due to the
      reversal of long term equity incentive accruals of $2.9 million in the
      prior year quarter resulting from the resignation of the President / COO
      during that quarter.&#160;&#160;The Company also incurred an additional $600
      thousand of legal expense in the current quarter compared to the prior
      year quarter. The additional legal expense primarily related to our
      response to a class action complaint filed in April of 2014. We do not
      expect to incur significant additional legal expense related to this
      complaint, as we have met our deductible under the related insurance
      policy. Our average G&amp;A per open office decreased by 1.2% when comparing
      the two fiscal quarters.
    </p>
    <p style="text-align: justify">
      We continue to be pleased with the progress being made in our Mexican
      operations. We now have approximately 145,000 accounts and approximately
      $99.4 million in gross loans outstanding. This represents a 5.8%
      increase in accounts and a 5.8% increase in ledger in US dollars over
      the last year. Mexico&#8217;s ledger increased 19.5% in Mexican pesos over
      last year. Revenues in Mexico grew by 3.6% in US dollars and 10.5% in
      Mexican pesos when comparing the two quarterly periods. The move in
      exchange rates also had a negative impact of approximately $900 thousand
      on the current quarter&#8217;s revenue compared to the prior year. Net
      charge-offs as a percent of average net loans on an annualized basis
      decreased from 18.8% to 16.4% when comparing the two quarters.
      Additionally, our 61+ day delinquencies are 10.8% and 14.4% on a recency
      and contractual basis, respectively, a change from 4.0% and 10.1%,
      respectively, as of the end of the prior year third quarter. The
      increase in delinquencies primarily relates to the Guerrero region as
      discussed below. During the current nine month period, excluding
      intercompany charges, pretax earnings amounted to $7.3 million, a 13.2%
      decrease over the $8.4 million in pretax earnings during the first nine
      months fiscal 2014.
    </p>
    <p style="text-align: justify">
      Results in Mexico for the quarter were significantly impacted by
      non-payment delinquencies from a union in the Guerrero region. The
      associated increase in the aged accounts resulted in an additional
      provision of $1.8 million during the quarter. There was a total of $2.6
      million reserved for accounts in the Guerrero region as of December 31,
      2014. Further, these delinquencies had a negative impact on the amount
      of revenue recognized for the quarter. Revenue is not recognized on our
      payroll deduct loan product until payment is received due to the
      historical delays in receiving payments from unions. If we had received
      payments for all three months during the quarter we would have
      recognized an additional $400 thousand in revenue.
    </p>
    <p style="text-align: justify">
      We have 137 offices open as of December 31, 2014; we opened 8 and merged
      four during the first nine months of fiscal 2015. At December 31, 2014,
      Mexico represents 10.4% of our branch office network, 7.9% of our gross
      loans outstanding, 8.9% of our first nine month revenue and 7.6% of our
      net earnings. We expect this profitability to continue to improve as we
      grow our outstanding receivables in our existing offices.
    </p>
    <p style="text-align: justify">
      The Company&#8217;s return on average assets of 11.2% and return on average
      equity of 33.2% on a trailing 12 month basis continued their excellent
      historical trend during the first nine months fiscal 2015.
    </p>
    <p style="text-align: justify">
      From a regulatory and legislative standpoint, which, the Company
      believes is its greatest risk factor, there was very little activity
      during the third fiscal quarter.
    </p>
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    <p style="text-align: justify">
      This transcript contains various &#8220;forward-looking statements&#8221; within the
      meaning of Section 21E of the Securities Exchange Act of 1934, as
      amended, that represent the Company&#8217;s expectations or beliefs concerning
      future events. Statements other than those of historical fact, as well
      as those identified by the words &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8221;intend,&#8221;
      &#8220;plan,&#8221; &#8220;expect,&#8221; &#8220;believe,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; and &#8220;should&#8221; or any
      variation of the foregoing and similar expressions are forward-looking
      statements.&#160;&#160;Such forward-looking statements are about matters that are
      inherently subject to risks and uncertainties.&#160;&#160;Factors that could cause
      actual results or performance to differ from the expectations expressed
      or implied in such forward-looking statements include the
      following:&#160;&#160;recently enacted, proposed or future legislation and the
      manner in which it is implemented; the nature and scope of regulatory
      authority, particularly discretionary authority, that may be exercised
      by regulators, including, but not limited to, the Consumer Financial
      Protection Bureau (the &#8220;CFPB&#8221;), having jurisdiction over the Company&#8217;s
      business or consumer financial transactions generically; the
      unpredictable nature of regulatory proceedings and litigation; any
      determinations, findings, claims or actions made or taken by the CFPB,
      other regulators or third parties in connection with or resulting from
      the previously disclosed civil investigative demand from the CFPB that
      assert or establish that the Company&#8217;s lending practices or other
      aspects of its business violate applicable laws or regulations; the
      impact of changes in accounting rules and regulations, or their
      interpretation or application, which could materially and adversely
      affect the Company&#8217;s reported financial statements or necessitate
      material delays or changes in the issuance of the Company&#8217;s audited
      financial statements; the Company's assessment of its internal control
      over financial reporting, and the timing and effectiveness of the
      Company's efforts to remediate any reported material weakness in its
      internal control over financial reporting; changes in interest rates;
      risks related to expansion and foreign operations; risks inherent in
      making loans, including repayment risks and value of collateral; the
      timing and amount of revenues that may be recognized by the Company;
      changes in current revenue and expense trends (including trends
      affecting delinquencies and charge-offs); and changes in the Company&#8217;s
      markets and general changes in the economy (particularly in the markets
      served by the Company). These and other factors are discussed in greater
      detail in Part I, Item 1A, &#8220;Risk Factors&#8221; in the Company&#8217;s most recent
      annual report on Form 10-K for the fiscal year ended March 31, 2014
      filed with the Securities and Exchange Commission (&#8220;SEC&#8221;) and the
      Company&#8217;s other reports filed with, or furnished to, the SEC from time
      to time.&#160;&#160;World Acceptance Corporation does not undertake any obligation
      to update any forward-looking statements it makes.&#160;&#160;The Company is also
      not responsible for updating the information contained in this press
      release beyond the publication date, or for changes made to this
      document by wire services or Internet services.
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